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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $145,639 | $217,432-33.0% | $185,849-21.6% | $167,536-13.1% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.35% | 148.42%-134.1pp | 122.10%-107.8pp | 478.82%-464.5pp |
| Employer contribution / active EE | $3,743 | $5,875-36.3% | $5,169-27.6% | $4,839-22.6% |
| Participant deferral / active EE | $5,053 | $6,357-20.5% | $5,569-9.3% | $6,342-20.3% |
| Admin fee / account holder | $932 | $19,818-95.3% | $16,244-94.3% | $12,315-92.4% |